Retirement Insights Blog

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Gary-WWe started our blog, Retirement Insights, because we feel passionately that you should never invest in a financial product without understanding exactly what you’re getting. Here, you’ll find insightful and easy-to-understand articles about retirement planning, and investment tips and financial advice for retirees. We work hard to make sure that our blog can be your resource for finding solutions to real-life problems you might encounter during retirement.

Written by our Retirement Insights Specialist, Gary W., the below articles are here for you to explore. We update our blog with multiple new posts per week, so there’s always something new to learn.

Biggest Mistakes People Make Getting Ready for Retirement

Feb 9, 2018

It’s always good to learn from your mistakes. But, it might be even better to learn from other peoples’ mistakes. With that in mind, let’s talk about some of the big mistakes people make when it comes to preparing for retirement. (We’re going to skip over some of the more obvious ones, like not saving…

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One year before retirement: Here’s seven things you can start right now

Jan 22, 2018

It doesn’t take a financial planner to tell you this: Any successful retirement these days starts with a plan. The more planning you do, the more likely it is that you will see a successful retirement. That said, many people may still enter retirement without confidence in their plans. With that in mind, people may…

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Three Retirement Tips for the New Year

Jan 26, 2018

As we get further into the new year, our thoughts need to be on more than just last year’s taxes. We should also be thinking about what we need to do to make our retirement the best it can be – whether we’re already retired or getting ready for the big event. As I say…

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fixed, deferred annuity

Purchasing a Fixed, Deferred Annuity in an IRA Can Help You Manage RMDs in Retirement

Jun 17, 2016

Some financial planners will advise you never to do this because it’s redundant, but there are times when it might be beneficial, especially when it comes to managing your required minimum distributions later on. Before you write off purchasing an annuity in an IRA, you should consider how it could impact you for the life of your IRA.

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2016 Federal Reserve Bond Interest Rates

What the 2016 Federal Reserve Bond Interest Rates May Mean for Fixed Annuities in the Long Term

May 23, 2016

Insurance companies are able to set a pre-determined interest rate and even go as far as to guarantee it. One way insurance companies make these guarantees is through the bond market and the interest rates that the Federal Reserve sets on their government bond offerings.

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Addressing the Bipartisan Budget Act of 2015 Pension Changes With Supplemental Retirement Annuities

May 10, 2016

We’ve received an increasing number of calls from clients over the past year worried about funding their retirement after their employer either significantly scaled back the corporate pension plan or eliminated it altogether. For a long time, corporate pension programs were a major source of retirement funding for employees all over the United States. These pension programs would allow the company to finance their employees’ retirement through regular payments, much like in an individually owned annuity.

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Planning for Health Care expenses in Retirement

Jun 26, 2017

What’s the best way to wreck your retirement budget? How about unexpected medical expenses? Ask any financial planner and, he or she will likely say that most couples are not prepared for the financial disruption that could come with an expected or catastrophic illness. Twenty-eight percent of Americans said their greatest fear in retirement is…

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Do a little research before you buy that retirement home

Jun 7, 2017

It’s a dream that many of us have. The kids have graduated from college and settled into their new homes and new jobs. Retirement is around the corner. Now that you are empty nesters, that big house in the suburbs no longer works for you and your spouse. So, finally, it’s your chance to get…

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Is it Smart to Borrow From Your 401(k)

Aug 25, 2017

According to the National Bureau of Economic Research, in 2015, 20 percent of Americans have an  outstanding loan balance on their 401(k) and 37 percent have had loans in the past five years. Ten percent of those borrowers defaulted and a whopping 86 percent of borrowers left their company with an outstanding balance, according to…

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Biggest Mistakes Couples Make

Jan 11, 2017

A successful marriage is all about communication. So, it make sense that the same can be said about a successful retirement. Retirement planning is tough enough, but when it comes to couples some of the biggest mistakes can be related to the lack of communications, according to the financial planners surveyed for the 2015 Fidelity…

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When the kids come back home (Don’t let them wreck your retirement)

Nov 29, 2017

The stories have been all over the news for some time now. Burdened by crippling student loan debt, Millennials are returning home to live with their parents. According to a Pew Research Center report, for the first time in modern history, more 18-to-34-year-olds are living with their parents than those living single, with a partner…

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Do a little research before you buy that retirement home

Jun 7, 2017

It’s a dream that many of us have. The kids have graduated from college and settled into their new homes and new jobs. Retirement is around the corner. Now that you are empty nesters, that big house in the suburbs no longer works for you and your spouse. So, finally, it’s your chance to get…

>> Read Full Story

Biggest Mistakes People Make Getting Ready for Retirement

Feb 9, 2018

It’s always good to learn from your mistakes. But, it might be even better to learn from other peoples’ mistakes. With that in mind, let’s talk about some of the big mistakes people make when it comes to preparing for retirement. (We’re going to skip over some of the more obvious ones, like not saving…

>> Read Full Story

Three Retirement Tips for the New Year

Jan 26, 2018

As we get further into the new year, our thoughts need to be on more than just last year’s taxes. We should also be thinking about what we need to do to make our retirement the best it can be – whether we’re already retired or getting ready for the big event. As I say…

>> Read Full Story

Real People. Real Stories.

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theresa
Theresa
Retired Since 2010
From New Jersey

george
George & Karen
Retired Since 2012
From Arizona

elaine
Portor & Elaine
Retired Since 2010
From California

darlene
Darlene
Retired Since 2015
From Kansas